Citizens Republic Bancorp operates as the holding company for Citizens Bank, Republic Bank, and F&M Bank–Iowa, which offer banking and financial services to individuals and businesses in Michigan, Ohio, Wisconsin, and Indiana. The banks’ deposit products include checking, savings, time, and money market accounts, as well as individual retirement accounts and Keogh accounts. Its loan portfolio comprises commercial, commercial real estate, residential mortgage, personal, educational, and other direct and indirect consumer loans. The banks also provide lease financing, safe deposit and night depository facilities, automated teller machine (ATM) facilities, and wealth...